All options, excluding DFW ConnectedCare and HMOs, provides you with an Accolade health assistant, your independent health benefits navigator. The good news is if you’re covered by an American-offered HMO option, your administrator likely already offers programs similar to Accolade. The DFW ConnectedCare option provides you with a health care coordinator who will help connect you to a team of experts who understand your health care needs.

How the DFW ConnectedCare options work

No deductible: You will not have to pay a large out-of-pocket expense before the plan starts sharing your costs.

Copays when you need care: You’ll know how much you’ll spend for most care.

Convenient care: Manage your health care needs, review your medical record, make appointments and connect with a provider through eVisits or Video Visits — all within the MyBSWHealth app.

Navigation and support: Dedicated health care coordinators can assist you with appointment scheduling, provider searches, where to go for care and billing questions.

Rewards for staying well: You and your covered spouse can each still earn up to $250 in Well-Being Rewards by completing certain activities. All dollars earned go directly into your health reimbursement account (HRA), administered by Alight Smart-Choice Accounts.

How the Core, Standard and High Cost Coverage options work

FREE PREVENTIVE CARE

All the options cover eligible in-network preventive care — like physical exams, flu shots, and screenings — at 100% when you use in-network providers.

COPAYS

A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible but do count toward satisfying your annual out-of-pocket maximum.

DEDUCTIBLE

Medical services that are not considered preventive care or not subject to a copay will require you to pay the full cost of care until you meet your annual deductible.

COINSURANCE

Once you’ve met your deductible, you and American share the cost of care, called coinsurance. When you use in-network providers, you’ll pay 20% and American will pay 80% of the cost until you’ve reached your out-of-pocket maximum.

OUT-OF-POCKET MAXIMUM

An out-of-pocket maximum is the most you’ll pay during a year. After you reach your out-of-pocket maximum, American picks up the full cost of covered medical care for the remainder of the year.

* Individual out-of-pocket maximum is $6850 for those with family coverage

2020 Contributions

MONTHLY

ANNUAL

Employee Only

$67.69

$812.28

Employee + Spouse

$176.00

$2112.00

Employee + Child(ren)

$121.85

$1462.20

Employee + Family

$236.92

$2843.04

IN-NETWORK

OUT-OF-NETWORK

Individual Deductible

$850

$3000

Family Deductible

$2550

$9000

Individual Out-of-Pocket Maximum
(including deductible)

$2850

$9000

Family Out-of-Pocket Maximum
(including deductible)

$7550

$24,000

What You Pay (after deductible except where noted)

Preventive Care

$0

40% coinsurance

Doctor on Demand

$20 copay (no deductible)

N/A

Primary Care Physician

$30 copay (no deductible)

40% coinsurance

Hospitalization

20% coinsurance

40% coinsurance

Specialist & Urgent Care

20% coinsurance

40% coinsurance

Emergency Room

$100 copay n(waived if admitted)
+ 20% coinsurance

$100 copay
(waived if admitted)
+ 20% coinsurance

2020 Contributions

MONTHLY

ANNUAL

Employee Only

$108.78

$1305.36

Employee + Spouse

$282.84

$3294.08

Employee + Child(ren)

$195.81

$2349.72

Employee + Family

$380.75

$4569.00

IN-NETWORK

OUT-OF-NETWORK

Individual Deductible

$400

$1550

Family Deductible

$1200

$4650

Individual Out-of-Pocket Maximum
(including deductible)

$2400

$7550

Family Out-of-Pocket Maximum
(including deductible)

$6200

$19,650

What You Pay (after deductible except where noted)

Preventive Care

$0

40% coinsurance

Doctor on Demand

$20 copay (no deductible)

N/A

Primary Care Physician

$25 copay (no deductible)

40% coinsurance

Hospitalization

20% coinsurance

40% coinsurance

Specialist

$45 copay (no deductible)

40% coinsurance

Urgent Care

$65 copay (no deductible)

40% coinsurance

Emergency Room

$200 copay
(waived if admitted)
+ 20% coinsurance

$200 copay
(waived if admitted)
+ 20% coinsurance

2020 Contributions

MONTHLY

ANNUAL

Employee Only

$218.93

$2627.16

Employee + Spouse

$613.24

$7358.88

Employee + Child(ren)

$394.07

$4728.84

Employee + Family

$825.63

$9907.56

How the PPO 80, PPO 90, and PPO 100 Work

COPAYS

A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible or out-of-pocket maximum.

DEDUCTIBLE

Medical services that are not subject to a copay will require you to pay the full cost of care until you meet your annual deductible.

COINSURANCE

Once you’ve met your deductible, you and American share the cost of care, called coinsurance. In the PPO 80 you’ll pay 20% of the cost of services and in the PPO 90 you’ll pay 10% until you reach your out-of-pocket maximum. With the PPO 100 option, once you reach your deductible the plan pays 100% of eligible charges.

OUT-OF-POCKET MAXIMUM

An out-of-pocket maximum is the most you’ll pay during a year. After you reach your out-of-pocket maximum, American picks up the full cost of covered medical care, excluding copays, for the remainder of the year.

2020 Legacy US Airways Options

In 2020, Legacy US Airways team members represented by IAM can choose from the PPO 80, PPO 90, PPO 100, and Core options.

Select an option below for more information or click here to view all three options side by side along with side by side comparison of prescription benefits. For complete plan details visit Plan Guides.

Family Deductible
(if more than one person is covered, the family deductible must be met)

$3000

$8000

Individual Out-of-Pocket Maximum
(includes deductible)

$4000

$12,000

Family Out-of-Pocket Maximum
(includes deductible)

$8000*

$24,000

What You Pay (after deductible except where noted)

Preventive Care

$0

40% coinsurance

Doctor on Demand

20% coinsurance

N/A

Primary Care Physician Visit

20% coinsurance

40% coinsurance

Hospitalization

20% coinsurance

40% coinsurance

Specialist and Urgent Care

20% coinsurance

40% coinsurance

Emergency Room

20% coinsurance

20% coinsurance

* Individual out-of-pocket maximum is $6850 for those with family coverage

2019 Full-Time and Part-Time Contributions

MONTHLY

ANNUAL

Employee Only

$67.69

$812.28

Employee + Spouse

$176.00

$2112.00

Employee + Child(ren)

$121.85

$1462.20

Employee + Family

$236.92

$2843.04

Spending Accounts

Whichever option you choose, you’ll have the option to set up a pre-tax account that can be used to pay eligible medical, prescription drug, dental, vision, and dependent care expenses.

With the Core option you can set up a Health Savings Account and a Limited Purpose Flexible Spending Account, while the other plans offer a Health Care Flexible Spending Account. Be sure to consider the value of these accounts when choosing your plan.

Dependent Coverage

You can choose to elect coverage only for yourself, even if you cover dependents for other benefits, like vision or dental. However, if you do elect medical coverage for a dependent then you must be enrolled as well.

Mobile Apps

Save time managing your health care with the Accolade mobile app. You can get the benefits of your Accolade health assistant now on your mobile device.

Questions about your coverage? Need help finding a new doctor? Confused about a provider bill? Health care support is just a secured message away.

More from my.aa.com

Disclaimer
This website provides an overview of your benefit options. The complete provisions of the plans are set forth in the Plan Documents and Summary Plan Description. If the information online is inconsistent with the Plan Documents, the Plan Documents will govern. This website is not intended as a contract of employment or a guarantee of current or future employment. The Plan Sponsor(s) reserve the right to amend or terminate each plan at any time.

Privacy Policy
Your private health information is just that – private. Information gathered by our partners will be used for your benefit to help guide you on your path to wellness. These partners are required to comply with all laws protecting privacy.

What happens with my health information?
American Airlines manages employee and retiree health benefits. To assist, American Airlines has business relationships with third-party vendors, for example, BCBS, UHC, and WebMD Health Services. The sharing of health information between these companies is permitted by regulation. You may choose to share the information with your doctor and other medical professionals.